Coverage level and calculation
Coverage limit
Eligible deposits up to the PLN equivalent of €100,000 are fully covered.
How we calculate your coverage
- Coverage is calculated based on your deposit balance on the date when deposits become unavailable, including accrued interest up to that date.
- We aggregate all your deposits across different account types (e.g., current accounts, savings accounts, term deposits) at the same institution to calculate total coverage.
- For joint accounts, each account holder is entitled to separate coverage up to €100,000.
- For client accounts held by investment firms, each underlying client is treated as a separate depositor for coverage purposes.
Temporary high balances
In specific life circumstances, natural persons may receive increased coverage above the standard €100,000 limit for up to 3 months. Repayment of amounts exceeding €100,000 requires a separate application.
Funds from the following sources receive enhanced coverage up to €200,000 (maximum additional €100,000 above the standard limit) for 3 months from the date funds are credited:
- sale of residential property (house, apartment, or land).
- property settlement following divorce or separation,
- inheritance,
- life insurance payouts,
- personal accident insurance payouts,
- severance payments,
- retirement or disability pension payments.
The natural person depositor funds or claims derived from the following sources are covered by the guarantee in entirety within 3 months from the date of funds being credited in the account:
- payment of compensation for damage caused by a crime or compensation for damage suffered, compensation or reparation, as referred to in Article 552 of the Act – Code of Criminal Procedure.
